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City · 7,869 residents · Marshall County, West Virginia

Moundsville , West Virginia

In Moundsville, a typical home is worth $118,600 and typical rent is $834 a month. Compared with all of Marshall County, the typical home value is 21% lower, typical household income is 17% lower, and the share of households that own their home is 7 points lower.

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  • Typical home value

    $118,600

    21% below the county

    27% below West Virginia

    • Moundsville
    • Marshall
    • West Virginia

  • Typical rent

    $834a month

    About the same as the county

    4% below West Virginia

    • Moundsville
    • Marshall
    • West Virginia

  • Typical household income

    $49,048a year

    17% below the county

    18% below West Virginia

    • Moundsville
    • Marshall
    • West Virginia

  • Households that own their home

    71%

    7 points below the county

    4 points below West Virginia

    • Moundsville
    • Marshall
    • West Virginia

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$130,709
0.7% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Moundsville is in Marshall County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Marshall County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Moundsville apart

What this place has that others do not, from public data, most unusual first.

  1. Moundsville has the 2nd lowest typical home value of the 31 cities in West Virginia with more than 5,000 people ($118,600).

  2. Nearby, in New Martinsville, the typical rent is $688: 18% less than in Moundsville ($834).

  3. The typical household income in Moundsville is $49,048, 17% less than in Marshall County as a whole ($59,169).

  4. 71% of households in Moundsville own their home, against 78% in Marshall County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Moundsville

What homes there are in Moundsville, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Moundsville, 8 in 10 homes are single-family detached houses, about the same as in Marshall County.

Year built

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,253 a month

Marshall County: $1,147 a month

Without a mortgage

$434 a month

Marshall County: $436 a month

Owners with a mortgage

34%

Marshall County: 40%

In Moundsville, 34% of owners have a mortgage, and their typical cost is $1,253 a month, against $1,147 in Marshall County. Without one it drops to $434.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Since 2015–2019, homes in Moundsville gained value faster than in Marshall County: 46% against 37%.

The typical rent in Moundsville rose 40% over the same time; in Marshall County, it rose 33%.

The typical household income in Moundsville rose 41% over that time; home values changed +46% and rent +40%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureMoundsvilleMarshall CountyWest VirginiaUnited States
Rental vacancy Unreliable estimateUnreliable estimate6.7%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.2%0.9%
More than one person per room Unreliable estimateUnreliable estimate1.3%3.4%
People per household 2.262.332.372.53
Drive alone 88%79%78%69%
Carpool Unreliable estimate11%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate3%3%3%
Work from home Unreliable estimate5%9%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Marshall County, a household in Moundsville has 2.26 people on average.

To get to work, 88% of workers in Moundsville drive alone; in Marshall County, 79%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Moundsville?

A typical home is within reach of the typical income

We start with a typical home in Moundsville, worth $118,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 23% of the typical household income in Moundsville, which is $49,048 a year.

The calculator's FHA and conventional loan limits are those of all of Marshall County.

Your numbers

Local data
$

Starts at the typical home value in Moundsville. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $4,151 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$934

at 7.18% · 30 years

Loan amount
$116,452
Total interest
$167,547
Paid off in
November 2056

Includes $2,003 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,144 a month

    Your payment · 23%

  • Tight

    $1,144 to $1,471 a month

  • Hard

    more than $1,471 a month

Compared with the typical household income in Moundsville ($49,048 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$934
Principal & interest$789
Property tax$44
Home insurance$49
FHA mortgage insurance (MIP)$52

You need at least $4,151 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Moundsville and Marshall County

Moundsville is in Marshall County, West Virginia. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Moundsville's own numbers

Typical home value
$118,600
Typical monthly rent
$834
Typical yearly household income
$49,048
Households that own their home
71%
Effective property tax rate
0.44%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Marshall County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,009
Price change over 5 years (FHFA)
+35%
Homes in a high flood-risk zone
7.8%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Marshall County.

Everything about Marshall County

Buying

Buying a home in Moundsville

A typical home in Moundsville is worth $118,600: 21% below the county and 27% below West Virginia. With the typical household income in Moundsville ($49,048 a year), a typical home costs 2.4 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Moundsville 2.4 years
  • Marshall 2.5 years
  • West Virginia 2.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Marshall County

According to FHFA’s house price index, home prices in Marshall County rose 57% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Marshall County.

Period County West Virginia U.S.
Last year (2025) +9.4% +4.1% +2.9%
5 years (2020–2025) +35% +40% +47%
10 years (2015–2025) +57% +54% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Moundsville next to Marshall County, West Virginia and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Moundsville $118,600
  • Marshall $149,800
  • West Virginia $162,600
  • United States $332,700
Typical monthly rent
  • Moundsville $834
  • Marshall $837
  • West Virginia $872
  • United States $1,413
Typical yearly household income
  • Moundsville $49,048
  • Marshall $59,169
  • West Virginia $59,608
  • United States $80,734
See the full table
Moundsville next to Marshall County and West Virginia
Measure Moundsville Marshall County West Virginia U.S.
Typical home value $118,600 $149,800 $162,600 $332,700
Typical monthly rent $834 $837 $872 $1,413
Typical yearly household income $49,048 $59,169 $59,608 $80,734
Households that own their home 71% 78% 75% 65%
Typical yearly property tax $521 $680 $865 $3,119
Effective property tax rate 0.44% 0.45% 0.53% 0.94%
Renters with high rent for their income 50% 52% 49% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Marshall County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Moundsville

For a typical $118,600 home in Moundsville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Moundsville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $934a month

    Least cash to close
    Down payment
    $4,151
    Cash to close
    $7,709
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $52

  • Conventional, 5% down $913a month

    Down payment
    $5,930
    Cash to close
    $9,488
    Rate
    7.18%
    Mortgage insurance
    PMI · $56

  • Conventional, 20% down, no PMI $736a month

    Down payment
    $23,720
    Cash to close
    $27,278
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $845a month

    Down payment
    $17,790
    Cash to close
    $21,348
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Moundsville and for Marshall County.

Property tax

Effective rate in Moundsville

0.44%of the home’s value each year

$521 a year for the typical owner in Moundsville.

  • Moundsville 0.44%
  • Marshall 0.45%
  • West Virginia 0.53%

What West Virginia publishes $20,000 homestead exemption for owners 65 or older or disabled (West Virginia Legislature (West Virginia Code))

Exemptions and deadlines in West Virginia

Flood risk in Marshall County

FEMA does not publish these numbers by city: they are for all of Marshall County.

Homes in the high-risk zone
7.8%
1,090
Of those, with NFIP insurance
8.9%
County West Virginia U.S.
Homes in the high-risk zone 7.8% 8.1% 3.5%
Of those, with NFIP insurance 8.9% 10% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Moundsville

Typical rent in Moundsville is $834 a month: about the same as the county. In Moundsville, 50% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Marshall County, by unit size. To pay the 2-bedroom one ($1,009 a month) without spending more than 30% of your income, you would need to earn $19.40 an hour working full time.

HUD fair market rent for all of Marshall County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $703 $13.52 $28,120
1 bedroom $822 $15.81 $32,880
2 bedrooms $1,009 $19.40 $40,360
3 bedrooms $1,300 $25.00 $52,000
4 bedrooms $1,436 $27.62 $57,440

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Moundsville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Moundsville is in ZIP code 26041.

For 2 bedrooms it is $1,040: $31 more than the fair market rent for Marshall County ($1,009).

  • 26041 $1,040$1,340

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Moundsville when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Moundsville

HUD lists 6 buildings with rents for lower incomes in Moundsville. These are the largest.

  • Dorsey ST/Burley/Francine/Kermit/Gattsct 501 10th St, Moundsville 26041 260 homes, 248 low-income · Run by Housing Authority of the City of Moundsville · Average payment: $367 a month · Average wait: 5 months · Homes at several sites (304) 845-3141
  • Woodland Knolls Apts 248 Woodland KNLS, Moundsville 26041 56 low-income homes · 1 bd: 32 · 2 bd: 24 · In service since 1994
  • Hill View Apts 7001 Riffle Dr, Moundsville 26041 48 low-income homes · 2 bd: 32 · 3 bd: 16 · In service since 2002 · For older adults, people with disabilities, families, people experiencing homelessness
  • Hill View Apts Phase II 409 Pebble Dr, Moundsville 26041 40 low-income homes · 2 bd: 24 · 3 bd: 16 · In service since 2006 · For families
  • Wesley Park 200 Candle Wick Ave, Moundsville 26041 37 homes, 36 low-income · For older adults (304) 845-9701

See all 10 buildings in Marshall County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Moundsville

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Marshall County. The nearest ones are below; many serve by phone or online.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Moundsville

No down payment, repair or rent-help program on our list is for Moundsville or Marshall County. The ones below are statewide in West Virginia: they work in Moundsville the same as in the rest of the state.

Which programs do I qualify for? All programs in West Virginia

  • Low Down Home Loan

    Statewide in West Virginia

    West Virginia state fund loan of up to $12,000 for the down payment and closing costs, over 15 years at 2% interest, only with the Homeownership Program mortgage. Offered by West Virginia Housing Development Fund (WVHDF).

    Repayable

    See the program Official page

Housing counselors near Moundsville

The HUD-approved agencies closest to the center of Moundsville, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Change, Inc

    3158 West St, Weirton · 34 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (304) 797-7733

  • The Fairmont-Morgantown Housing Authority

    103 12th St, Fairmont · 44 miles away

    • Mortgage delinquency and default
    • Home improvement and repairs
    • and 5 more
    (304) 363-0860

  • CCCS of the Mid-Ohio Valley, Inc.

    2435 Dudley Avenue, Parkersburg · 61 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (304) 485-3141

All counseling agencies in West Virginia

Help in Spanish near Moundsville

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Moundsville

HUD’s record names them for Moundsville or Marshall County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of the City of Moundsville Public housing (304) 845-3141

One other authority has an office in Marshall County: see the list Source: HUD

Cities

Nearby cities

The cities closest to Moundsville, with the typical home value.

Everything about Marshall County Housing in West Virginia

Neighboring counties

If Marshall County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Moundsville.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Moundsville

Short answers with the numbers for Moundsville and all of Marshall County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Moundsville?

The typical home value in Moundsville is $118,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Marshall County it is $149,800.

How much does it cost to rent in Moundsville?

Typical rent in Moundsville is $834 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Marshall County is $1,009.

What is the FHA loan limit in Moundsville?

Moundsville uses the FHA limit for all of Marshall County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Moundsville?

The typical homeowner in Moundsville pays $521 a year, according to the U.S. Census Bureau. That is 0.44% of the home’s value; in Marshall County, the rate is 0.45%.

Where can I find free help to buy or rent in Moundsville?

We found no HUD-approved counseling agencies with an office in Marshall County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).